http://www.psichi.org/pubs/articles/article_73.asp (Differences between counseling and clinical psychologists.) From about.com: http://depression.about.com/od/psych...chotherapy.htm

Psychologists may engage in psychotherapy (or research etc.) They are licensed.
Anyone can use the term psychotherapist, counselor, or life coach but they are not necessarily licensed or accredited by the American Psychological Association ( or similar accrediting board.) Anyone can use these terms and begin counseling. In the USA there are "protected terms" that only those licensed by the APA are allowed to use.

link for info on National Assoc of Pastoral Counselors: http://www.aapc.org/wparticle.cfmp

"Why would I go to a psychologist?

The most traditional reason to work with a clinical psychologist is to gain relief from mental anguish (e.g., as in the case of a psychological disorder). This might include a "nervous breakdown," depression with suicidal thinking, obsessions, anger, or irrational fears that interfere with your ability to work, love, or play.

A psychologist can assist you in understanding the nature of the disorder, what impact research suggests the disorder will have on your life, and what you can do to combat the effects of the disorder. Essentially, a clinical psychologist can help you reclaim your life from the crippling effects of an emotional, behavioral, or (in some cases) "physical" disorder.

Albert Einstein once defined "insanity" as the repeated application of the same old tired fix, hoping each time for a different outcome.

When you go to see a psychologist, you are speaking with a scientist who is skilled in the art of human nature. It is likely that the application of a hundred years of the research into human behavior may shed some light onto your problem. A psychologist can provide insight, assign pointed behavioral projects, as well as help you to formulate your own solutions. In this way, psychologists are "mental midwives. " They help you to give birth to your own unique solutions. "